1. Combined guarantees to soften the deductible
Opt for an "all-risk" or "multi-risk home" policy where the deductible can be lower or adjustable depending on the claim (glass breakage, theft, water damage). The premium may seem more expensive, but the effort is less in the event of a real claim.
2. Loyalty mechanisms and major bonuses
Some companies offer a sliding deductible based on your length of service or absence of claims (> 3 years). This reduction can be as much as 50% off the standard deductible, with no impact on the premium.
3. Consolidation of contracts
By combining home, auto and health insurance with the same insurer, you can negotiate a preferential deductible or a partial deductible buyback on home insurance, without increasing the overall premium.
4. Safety and disaster prevention
The installation of alarms, standardized smoke detectors, or security locks can reduce both the attempted theft and the excess applied: a reduced excess clause in the event of increased security is often negotiable.
5. Partial or total repurchase of franchise
Offering a partial deductible buyback (e.g. dividing the standard deductible by two) for a modest cost (€10 to €20 extra per year) provides an interesting balance: a small effort to avoid a major cost in claims.
6. Renegotiation upon renewal
At each annual deadline, contact your insurer to request a reduction in your deductible —especially if your situation has changed (more claims, insulation work, security installed). The insurance company should respond to you even if it's simply a matter of loyalty.
Conclusion
Reducing your home insurance deductible without paying an additional premium is possible thanks to a combined approach: choosing a suitable contract, strengthening prevention, negotiating through loyalty or grouping, or even investing a few euros to avoid a lot in the event of a claim. With KT Assur&Bank , benefit from personalized support to use these levers intelligently and optimize your coverage.